Call reports 2025
COMMERCIAL STATE BANK — 2025
What COMMERCIAL STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 116,291,000 | 117,386,000 | 126,323,000 | 120,357,000 |
| Total loans | 44,244,000 | 43,633,000 | 43,977,000 | 43,726,000 |
| Allowance for loan losses | 720,000 | 841,000 | 768,000 | 780,000 |
| Securities available for sale | 51,376,000 | 54,998,000 | 60,903,000 | 60,287,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,039,000 | 105,905,000 | 113,403,000 | 107,794,000 |
| Interest-bearing deposits | 44,957,000 | 44,678,000 | 43,033,000 | 44,248,000 |
| Noninterest-bearing deposits | 60,082,000 | 61,227,000 | 70,370,000 | 63,546,000 |
| Equity capital | 10,799,000 | 10,873,000 | 12,247,000 | 12,148,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,461,000 | 2,925,000 | 4,450,000 | 5,966,000 |
| Interest expense | 54,000 | 107,000 | 172,000 | 232,000 |
| Net interest income | 1,407,000 | 2,818,000 | 4,278,000 | 5,734,000 |
| Noninterest income | 183,000 | 468,000 | 651,000 | 902,000 |
| Noninterest expense | 961,000 | 1,940,000 | 2,914,000 | 4,051,000 |
| Provision for loan losses | 110,000 | 124,000 | 149,000 | 644,000 |
| Pretax income | 519,000 | 1,146,000 | 1,790,000 | 1,865,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 519,000 | 1,146,000 | 1,790,000 | 1,865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,742,000 | 12,712,000 | 13,246,000 | 13,133,000 |
| Total capital | 13,391,000 | 13,370,000 | 13,901,000 | 13,779,000 |
| Risk-weighted assets | 51,829,000 | 52,347,000 | 52,196,000 | 51,493,000 |